Talk to a Hawkes Bay Mortgage Adviser today
Buying your first home, refinancing, or building in Hawke’s Bay? Easy Peasy Mortgages helps you compare lenders, structure your loan smartly, and get approval with less stress — with advice tailored to Napier, Hastings, Havelock North, Clive, Taradale and beyond.
Local, independent mortgage advice across Hawke’s Bay — Napier, Hastings & Havelock North. First homes, refinance & KiwiSaver. Book a free chat.
Local mortgage advice for Hawke’s Bay home buyers & owners
When you’re making big decisions (deposit, pre-approval, fixing, refinancing), local context matters. We work with clients across Hawke’s Bay and understand the practical realities of buying and financing property in the region.
We can help whether you’re:
Buying in Napier or Taradale
Upsizing in Hastings or Havelock North
Building in Clive, Haumoana, or Te Awanga
Looking rurally or in Central Hawke’s Bay
If you’re not sure where to start, we’ll map out a clear plan and explain your options in plain English.
Chat with Janette, Mortgage adviser in Hawke’s Bay about your options.
Local mortgage advice for Hawke’s Bay home buyers & owners
What we help with
First Home Buyers (Hawke’s Bay)
We’ll guide you through the first home buyers loan from “how much can I borrow?” to pre-approval, offer, and settlement — including how deposit, living expenses, and lending criteria are assessed.
Common first-home support:
Pre-approval strategy and lender matching
Deposit planning and affordability checks
Structuring repayments for long-term flexibility
Refinance & Re-fix (rate review)
If your fixed rate is ending, you might be able to reduce repayments, consolidate debt, or restructure your loan for flexibility.
We can help you:
Compare options across lenders
Decide fixed vs floating (and split-loan strategies)
Review cashbacks, fees, and the true cost over time
Debt Consolidation (done properly)
If multiple debts are piling up, consolidating into a home loan can simplify repayments — but it needs to be structured carefully to avoid paying short-term debt over a long term.
We’ll assess:
Whether consolidation is appropriate
How to keep the strategy disciplined
How to structure it so it actually helps
Building & New Purchases
Building can add complexity (progress payments, timelines, valuations). We’ll help you choose the right loan setup and keep the process moving.
KiwiSaver & deposit questions
Unsure how your deposit can be made up (savings, gifted funds, KiwiSaver)? We’ll explain what lenders typically need and how to present your application cleanly.
Why choose Easy Peasy Mortgages
Independent guidance. We compare options and recommend a structure aligned with your goals — not just a rate.
Less stress. We handle lender communication, application packaging, and follow-ups.
Clear explanations. You’ll know what’s happening and why — at every step.
Local service. You’re working with a Hawke’s Bay-based adviser who understands the area and the market.
Service areas across Hawke’s Bay
We work with clients across the region including:
Napier, Hastings, Havelock North, Taradale, Clive, Bay View, Greenmeadows, Ahuriri, Flaxmere, Haumoana, Te Awanga, and Central Hawke’s Bay.
If you’re nearby but not listed, reach out — chances are we can help.
Very quick approval response. Two months prior to using this service another company told us that we would probably not be approved for a mortgage, however Janette made it work.
We think you are awesome, look forward to working closely with you in our new and exciting venture.
Janette is very efficient and approachable. She was able to explain the lending process to us in a clear and concise manner. She gave accurate advise and kept the lines of communication open at all times. We were happy with everything you did for us and would recommend you to others.
It was a scary experience for me as a first home buyer. Janette was in constant contact with me and answered all my calls of concern. Janette made me feel secure in the process. I was happy with the service i received.
You had our best interests at heart and genuinely wanted to help us get a mortgage compared with other brokers / banks we had looked at. Everything was fantastic, cannot think of any necessary improvements.
Do you charge a fee?
In many cases, mortgage advisers are paid by the lender if your loan settles. In some situations, there may be additional fees — we’ll explain any costs clearly upfront before you proceed.
Can you help if I’m self-employed?
Yes. We’ll help you understand what documentation is commonly required and how to present your income in a lender-friendly way.
How long does pre-approval take?
It depends on your situation and how quickly documents are provided. We’ll tell you what to expect and keep you updated through each stage.
Can you help with refinancing even if my rate isn’t due yet?
Yes. We can still review your loan, check break costs where relevant, and help you plan the best timing.
Do you only work with clients in Napier and Hastings?
No — we help clients across all of Hawke’s Bay.
What documents will I need?
Commonly: ID, income proof, bank statements, existing loan statements (if applicable), and details of debts/expenses. We’ll give you a simple checklist based on your situation
Local mortgage advice for Hawke’s Bay home buyers & owners
Speak with a Hawkes Bay Mortgage Adviser
Whether you’re buying your first home in Napier, refinancing in Hastings, or planning your next move in Havelock North, we’re here to make it straightforward.
Email: [email protected]
Address: 9 Harrison Court, Clive 4102
Chat with Janette, Mortgage adviser in Hawke’s Bay about your options.